Financial Performance Determinants in Indonesian Banking: The Role of Credit Risk and Bank-Specific Factors. Journal of Accounting Inquiry, [S. l.], v. 5, n. 1, p. 012–022, 2026. DOI: 10.14421/jai.2026.5.1.012-022. Disponível em: https://ejournal.uin-suka.ac.id/febi/JAI/article/view/3093. Acesso em: 7 jun. 2026.